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  • Does Laurel Road offer mortgages in my state?

    We currently offer mortgages in all 50 states and Washington, DC. We do not lend in US territories.

  • What types of documentation do I need to refinance my mortgage?

    We will need any current mortgage statements and current income and asset documents.

  • What Makes Laurel Road Different?

    As a national lender, Laurel Road helps buyers work smarter by matching them with the right mortgage at real, competitive rates. Our secure technology builds customized mortgages entirely online, simplifying the process with clear options, transparent fees, and human support when you need it.

  • How do I make my payments?

    You will be provided with payment instructions in the closing package.

  • Who will service my mortgage?

    Key Bank will service your loan, but reserves the right to transfer the servicing of your loan after closing. If we sell your loan, we will notify you of your new servicing lender before your first payment is due.

  • What is the difference between a home inspection and appraisal?

    The home inspection is an evaluation of the condition of the property, while the appraisal is an evaluation of the value of the property.

  • Is Laurel Road a direct lender?

    Yes, Laurel Road is a direct lender, which means we support borrowers throughout the entire loan process and provide funds at closing.

  • How does the appraiser determine the value of my home?

    By gathering the most recent comparable sales that are most similar to the subject property both in square footage, style and location.

  • Who is Laurel Road?

    Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products, personal loans and mortgages that helps simplify lending through technology and personalized service. In April 2019, Laurel Road was acquired KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. The mortgage product is not offered in Puerto Rico.  KeyBank is a Member FDIC, Equal Housing Lender. NMLS ID # 399797.

  • How is my loan serviced now?

    Student loans refinanced with Laurel Road will continue be serviced by MOHELA, our student loan servicing partner. If you have any questions about your student loan payments after funding your loan with Laurel Road, please call MOHELA at (877) 292-6845. Laurel Road Mortgage and Personal Loan customers will be serviced by KeyBank. If you have any questions related to your Mortgage which has been funded on or after April 1, 2019, please call KeyBank at (800) 422-2442. For questions related to your Personal Loan which has been funded on or after April 1, 2019, please call KeyBank at (800) 539-2968. Clients using a TDD/TTY device, please use (800) 539-8336.

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